USDC

oak1337

XRP is a memecoin in a business suit. They are delusional, bots, or paid shills. They have a max TPS of 1500 theoretically. This can't handle one payment network (Visa does 10-20kTPS), let alone world finance. They've pivoted several times and are failing each time. Cross border payments? Anyone can do that - DOGECOIN can do that. They want to be a bank? LOL nope. Pivot to Stablecoins with RLUSD? No one wants to use it, there's better options like USDC. More than 80-90% of "Ripple partnerships" will NEVER touch XRP. Only 50% of the XRP supply is released, plenty of dumping on retail remains. On Demand Liquidity ODL - LOL - are they saying that world finance doesn't have the LIQUIDITY to function??? Hedera Hashgraph is superior by every metric, and is a true utility. Hedera Consensus Service (HCS), Hedera Token Service (HTS), EVM Smart Contracts, Stablecoin Studio, RWA Tokenization Studio, AI Agent Studio, NFT Studio, etc etc -- UTILITY. HBAR has superior (best mathematically possible) security, unlimited scalability, is more decentralized. The Trilemma is defeated. HBAR > XRP

Aerocryptic

How having USDC can be considered disruptive? Like seriously? Another defi L1 with the same functionalities that many already have. Who cares about speed these days? Blockspace has become so cheap that you can use all the major L1s and L2s without any bottlenecks issue

GivePianoMotivation

What other layer 1’s have had USDC on day one? The speed and ethereum compatibility definitely is disruptive.. having worked with some of the management team, I’m placing my bets

GivePianoMotivation

A new layer 1 just launched that’s industry disrupting, competing with Solana, and is at #127 with USDC native on day 1, and you aren’t absolutely filling your bags? Monad Top 10 Q1 2026.

fivebillionproud

I find the timing of this story weird. Maybe it's a coincidence, but just days prior to this, all of the attention was on Cardano's stable coins depegging, which reignited discussion and fingerpointing over the fact that Emergo and Cardano Foundation still haven't gotten USDC or USDT on Cardano. Charles said in a tweet that he's not responsible for getting a stablecoin on Cardano, and says it's the Foundations job. Then this exploit happens and all entities supposedly come together for the chain and its holders, which I guess eased concerns that they're incapable of working together. Hooray. Maybe \*\*this\*\* \*\*time\*\* they're serious on getting things done? No need to talk about stablecoins, guys! Look what Cardano just did! Just ignore that ADA is way lower than 2017/2018 peak! The whole thing is weird to me.

One-Tough9061

Also to update you all.. during this 1.5 months, I have invested (DCA+spot trade) 45k USD, still have 12k USDC to ride through the fear market. CMC now is 10, meaning extreme fear and I see the price already bottoms at 80K and today it bounced back to 87K. We are still in cycle 4, past 1 month is NOT bear market, but a mid term trap. I think ATH will be around Q1 2026 at 150-180K follow by 1 year bear market till EOY 2026 This is definitely not financial advise, the reason I could invest so heavily is because I want BTC to take up a certain percentage of my portfolio. Even now am not there yet. So portfolio rebalancing is more prudent than go all in

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Post is by: kkmdnes and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoTechnology/comments/1p5bavr/how_reliable_is_onta_network/ Hi guys, We are a fintech company enabling easy electronic payments, we have a strong network of merchants but this is all through traditional fintech companies. Just wanted the community's opinion on the Onta network. I've been following crypto/blockchain but not up to date with all the tech and related projects. They are enabling stable coin payments using USDT/USDC. They have said that they are integrated with the following wallets: Trust wallet, Phantom, Coin98, OKX Wallet, Bitget Wallet, TokenPoket. How trustworthy are the listed wallets? Do they have a strong user base? Wanted to see what the community thinks of Onta and the related wallets integrated to leverage stable coin payments. Thank you!! *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

Electrical_Main_4253

Not really. Stablecoins aren’t killing the crypto market, they’re actually fueling it. They give traders a safe parking spot, make liquidity deeper, and make cross-chain moves way smoother. Without stables, the market would be way more chaotic. They only feel like a problem when people sit in USDT/USDC too long instead of rotating back into crypto. But overall, they help the whole ecosystem run.

dreamingfighter

You forget that there are several types of credit as well. Be it Visa, Mastercard, American Express, Discover... (I know they are just brands but so are USDT, USDC...). If enough people adopt stablecoins, somebody will create a gateway payment for them

Elean0rZ

Not really. [USDC](https://www.circle.com/transparency) and [Tether](https://tether.to/en/transparency/?tab=reports) both publish their reserves and issuance schedules and are third-party audited. There's room to quibble about their present-day collateral comprising sizeable portions of US Treasury securities rather than cold, hard cash, and there have certainly been some accounting shenanigans in the past before regulatory standards caught up, but per available evidence they're fully collateralized nonetheless. Most banks, as a point of comparison, are only around 15%+/- capitalized at any given time, so the bar is frankly fairly low. Dollars are minted "out of thin air" in some senses, yeah. Most money is created when banks issue loans, which is done subject to various criteria, so it's not totally arbitrary either.

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Right-Tumbleweed-491

You niggas is scared lol just put your money in USDC and wrap your whole crypto journey up 

Hidden5G

Tether isn’t “reliable, audited collateralization.” That’s the core mistake here. A pegcoin only works if the issuer is transparent, and Tether still refuses to provide a full, independent audit after more than a decade in business. That’s why Bluechip rates it D. It’s why regulators in parts of Europe have restricted it. And it’s why so many payment specialists, risk officers, and treasury people don’t treat USDT as a trustworthy bridge between fiat and blockchain. You’re right that the concept of a fiat backed token isn’t meant to be decentralized. The goal is to move dollars on chain. The problem is how that’s done. A company that controls billions in customer deposits but avoids audits and keeps its reserves offshore isn’t “bringing value onto the blockchain in a reliable way.” It’s introducing counterparty risk that’s bigger than most banks. If you want an example of how this should be done, look at RLUSD. It has an A rating from Bluechip because the reserves are held by BNY Mellon, with regulated custody, full transparency, and real oversight. USDC lands in the middle with B+, because they publish monthly attestations and work with U.S. regulators. So yes…stablecoins act bank like on chain. But Tether skips the safety rails that banks are required to have. When a company won’t repeatedly submit to a full audit, has been fined for misrepresenting its reserves, and holds assets in opaque offshore entities, you don’t get reliability…you get a risk that everyone pretends isn’t there until something breaks. That’s the part your explanation leaves out.

Hidden5G

Tether works the way you described..people hand over dollars, Tether hands back a token, and Tether controls the reserves. You’re right that this feels a lot like a bank, and that’s exactly why so many people have concerns about it. The issue isn’t that the model is impossible, it’s that Tether has a long history of avoiding transparency. Well known history of full audit avoidance. Bluechip…the independent ratings group for stablecoins, gives Tether a D rating because they still don’t provide a full audit, only quarterly “attestations,” and their own terms allow them to delay redemptions if their reserves aren’t easily available. That’s why parts of Europe have restricted or discouraged the use of USDT..regulators don’t like the opacity, and some exchanges there are phasing it out. They’re trying to fool everyone with their “new” stablecoin. On the other hand…for example…RLUSD is built in a completely different way. It has an A rating (the highest) from Bluechip because its reserves are held by BNY Mellon, one of the oldest and most trusted custodians in the world. It’s issued under a New York trust license, it’s fully regulated, and it’s designed for real payments and institutional settlement rather than a giant offshore casino. USDC sits in the middle with a B+ rating more transparent than Tether, not as strong as RLUSD. your instincts are right. Tether is centralized, it acts like a bank without the regulation of one, and that’s why its rating is so low. The point of stablecoins isn’t decentralization..it’s convenience and liquidity, but some are built responsibly and some cut corners. Tether cuts corners. RLUSD does not.

Elean0rZ

>a decentralized version of tether Algorithmic stablecoins tried to be that. They were very hot a few years ago. The problem is, they only worked as intended *most* of the time. That's no bueno for something whose literal MO is stability. There are also crypto-collateralized stablecoins like DAI/USDS or DigiDollar, and those have worked out better, but they have a hard time scaling consistently since their collateral is subject to so much price fluctuation. Things are fine when number go up, but when number go down maintaining the pegged value potentially requires liquidation of the collateral. They also require aggressive overcollateralization to begin with, plus can only be redeemed for $1-equivalent of the collateralizing asset (e.g., ETH or DGB), as opposed to an actual $1 of fiat, which is a crucial distinction if things are really hitting the fan. To extract your intended value you still need to be able to turn around and trade that $1-equivalent for $1 of fiat, which may be difficult/impossible. In other words, yes, they do work in the sense that they keep their $-equivalent value, but the limitations inherent in how they work mean they aren't as practically useful for some of the core use-cases you'd want a stablecoin for in the first place (or at least not consistently and predictably so, depending on current market conditions). Not to suggest they have no use, especially if decentralization is paramount, but their utility can only be fully realized in a more limited set of circumstances--let's say that. All of that said, if we're talking centralized stablecoins, Tether isn't the only show in town. USDC centralized but at least it's simply and transparently so. And ones like PYUSD are also reputable.

osogordo

To get decentralized finance to work the way people want it to work, you need a US dollar representation in the system. You can either use a centralized USD token like Tether or a decentralized one like Dai. People seem to like Tether and USDC. Even though it's not decentralized, it's still compatible with how the ecosystem works.

kyuronite

100% a scam. Coinbase doesnt support USDT, they push users to use USDC as USDC is what coinbase makes the $ on.

floppypretense

Stablecoins aren’t killing crypto. They’re finally giving it a real use-case. They’re the infrastructure, not the competition. BTC/ETH don’t need to be currencies to matter. BTC is a store of value, ETH is the settlement layer for everything being built on-chain. Their volatility doesn’t make them useless, but it just means they’re not meant to replace day-to-day money. What’s actually happening is that institutions are shifting from pure speculation to productive on-chain assets: tokenized treasuries, bonds, real estate, revenue-sharing… all the “real world” stuff. And this is where stablecoins are the fuel. Once you have stable on-chain money (USDC, USDT, etc...), you can invest it into actual assets, which is why platforms like Fractionvest, Ondo, etc... are popping up. So no, stablecoins aren’t destroying crypto. They’re the bridge to the phase where crypto becomes useful, not just volatile charts.

Antique-Worth323

Why? You’d ride them all the way down instead of selling them for USDC And waiting until the bottom is in then rebuying for 4Xs the assets you once held? Thats how you stack crypto and make far more than if you had held. Does no one understand this game? Holding is ridiculous when the indicators are pointing down! Sell high, buy low= increases your holdings Holding = watching your money decrease

-5H4Z4M-

75% Bitcoin, 10% Ethereum, 5% BNB, 2% USDC 8% left are for more risky projects , Hyperliquid, Solana, Monero, Aster and Aave. by "risky" i mean according to my own opinion of course.

tinytyler12345

Hold, or sell for USDC now and reinvest after it's crashed some more?

non3type

Honestly banks are only doing it with institutional clients. You could borrow from a crypto based lender but those interest rates are higher and often end in USDC. Converting the USDC and transferring it out involves fees. Going that route you’re probably losing almost as much in interest as you would with the 15% gains tax.

anogio

A software glitch at Binance, if the news is to be believed. The USDC or something like that, very briefly dropped to $0.65, due to some liquidity issues. Then, that triggered auto liquidation of futures in error, which cascaded to genuine liquidations. Then the whales moved in and are now controlling the market price to acquire more btc.

masterctrlprogram-

Posting 1 BTC as collateral never borrow more than $25k USDC and you’ll be fine.

Sandharbor

Looking for ones actually being used and taking in fees, creating revenue for the chain/protocol. I own and will accumulate some of these based on them taking in high fees, decent tokenomics, some in addition buy back and burn making them potentially deflationary.  AAVE  SKY   SOL ETH COIN(stock) it’ll benefit from multiple facets of the market; Base, Aero, USDC, being an exchange, coinbase ventures, holds crypto on treasury, etc May add UNI didn’t do good this run but is established, implementing a burn to reward holders, and takes in one of the most fees. 

BoringPrinciple2542

I saw a crypto scam that I’m pretty certain used a drainer on their community to improve sentiment 😂. The main guy got “hacked” and posted links that drained their communities wallets. As a show of good faith, the team sent everybody USDC to cover their losses. Needless to say sentiment goes wild and everybody questioning why monthly payouts had been delayed. A couple weeks later I was going through team wallets and saw around $5k sent to infernal drainer shortly before the “hack”…. Couldn’t get anybody to provide a transaction hash from the exploit but I’m pretty certain they robbed the community, liquidated their crypto, then sent it back and then played hero 🤣.

watch-nerd

Sitting on a big pile of USDC.

SocialScope_0912

Switching to USDC can work only if you know when to re-enter most people don’t. MentTech Labs usually sees better outcomes with simple long-term strategies.

torkildj

100% USDC here. laughing my fucking ass out. Cheap korn come to daddy

BlindDriverActivist

Cashed out in to USDC with a plan to DCA back in to Bitcoin through 2026. Alts were annihilated and I’m not touching them for the foreseeable future.

PsychologicalBit803

Exactly! I’ve been putting money in USDC the entire year waiting for a big discount! 30%ish is pretty great!

coinfeeds-bot

tldr; The Algorand Foundation has announced an integration with Coinify, enabling consumers to use USDC on Algorand for payments via Coinify’s gateway. Merchants can also receive settlements in USDC on Algorand. This integration enhances stablecoin payment adoption by combining USDC's stability with Algorand’s low transaction costs and security. Coinify, a Denmark-based fintech company, supports crypto payments globally and offers various digital asset services. This partnership aims to expand USDC payments on Algorand worldwide. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

OuchMyCoins

I leave mine in USDC for a higher yield than sitting in my bank. Just need to understand (and accept) the (not your keys) risk.

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Post is by: morefundsneeded and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1p2bekz/any_crypto_exchanges_do_fee_free_debit_card_usdc/ Even if I need to pay a monthly fee I need someone else that isn’t Coinbase. I need someone who I can pay once a month and buy USDC free with my debit card Coinbase is not an option. I’m in the US also *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

Just_Marzipan_7001

Welcome to the rabbit hole! You have two different needs. For the untraceable transactions, you should research specific privacy coins like Monero or Zcash. For the holding value/experimenting part, you need a stablecoin like USDC or USDT. That lets you experiment with wallets and purchases without the massive volatility of BTC. When you're ready to start, avoiding operational mistakes means prioritizing platform security and simple access. I use BYDFi. They offer over 1000 spot assets for learning the markets and use cold storage for security. Best of all, they support NOKYC access, which makes the initial setup super fast and low commitment.

outoftownMD

No they sold INTO fiat or USDC/some stable. Price dips then they buy back in lower

IsItSafe2Speak

I'm sure he's not joking. Some people are very emotional over this stuff. They try and time the market. You have to make the mistakes to learn the lessons. You keep a bunch of USDC aside and dont buy the small dips that tempt you. You wait until there's a blood bath then make an entry.

MakCapital

If it's not Bitcoin it should only be the networks people actually issue on and trade on. That's Hyperliquid & Solana. Could argue Ethereum, but makes more sense after it scales or monetizes L2s. That's it. Literally no one uses Cardano. It runs 1tps max. A ghost town even after all these years of pushing for adoption. Solana can execute more trades in a couple days than Cardano has seen in its entire existence. Solana & Hyperliquid returned billions to investors this cycle. Cardano returned nearly 0. Doge is a meme, but at least it doesn't pretend to be anything else. Memes trend to 0 against BTC. Always. Don't understand how crypto buyers are still so lost. There's only one Bitcoin. The only L1 that gets a rev exception. Everything else you're buying better be the place everyone issues and trades on. That activity can be monetized. Nearly 2 decades of proof any coin without activity eventually trends to 0 against BTC. Need value producing assets, but doesn't mean some won't see massive meme pumps along the way. Eventually the meme pump ponzi game fizzles. This does not make a good investment. Use prediction markets or perps if you're here to gamble. Coins & tokens just represent ownership over something else. Just like a stock represents ownership over a company. SOL, HYPE, ADA represent ownership over those networks. Don't own things no one uses. Same applies to tokens. USDC is ownership over fiat. JLP is ownership over an index. Nvdax token is ownership over Nvidia. Protocol tokens are ownership over the protocol (with no regulatory guarantees if admin keys are still in play). Understand what you own when you buy any token or coin. Make sure people actually use that thing you own or there's no way to capture value from it.

PsychologicalBit803

Bigger sale means bigger bag!! Been buying USDC daily all year just for this time. Now I buy.

uthillygooth

Lower the minimum buy-in to 25 or 50 USDC. It’s at 100 now.

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Post is by: Hagya_ant and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1p194gu/crypto_lending_just_hit_a_new_alltime_high_but/ Crypto-collateralized lending has officially surpassed its 2021 peak, reaching a new all-time high at the end of Q3 2025, according to Galaxy Research. But it’s not just about the numbers - the structure of the lending market today looks very different from the last cycle. Back in Q4 2021, on-chain borrowing made up 48.6% of the total market. Fast forward nearly four years later, and that figure has jumped to 66.9%. DeFi lending protocols like Aаve and Cоmpound, alongside collateralized debt positions (CDPs) like MakerDAO’s DAI, have taken a larger share of overall crypto credit. Even within on-chain activity, the mix has shifted dramatically: In 2021, CDPs represented 47% of on-chain borrowing. By Q3 2025, that dropped to just 16%, while lending apps now dominate with over 80%. That means the market is moving away from synthetic, crypto-backed stablecoins and toward lending based on centralized stablecoins like USDT and USDC. On the CeFi side, Tether, Nехо, and Galaxy remain the top three tracked lenders by Galaxy Research: Tether – $14.6B open loans (≈59.9% market share) Nехо – $2.04B (≈8.4%) Galaxy – $1.8B (≈7.4%) Together, these three control more than 75% of the CeFi lending market. That level of concentration signals maturity and trust consolidation. For Nехо, holding over $2B in outstanding loans puts it firmly in the global top tier of digital asset lenders. Even with small fluctuations in market share, its consistency highlights user confidence and operational strength. Overall, this cycle’s leverage is more transparent, better collateralized. The industry hasn’t just bounced back - it’s evolving. What do you think: are we finally seeing crypto credit mature into real financial infrastructure, or just the next stage before another leverage reset? Source: https://galaxy.com/insights/research/crypto-leverage-q3-2025-defi-cefi-lending-digital-asset-treasury-debt-futures-perpetuals *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

Alarming-Bite-8005

Man, that's a huge life moment. Don't let the emotional attachment to the stack jeopardize the move. You absolutely need to start de-risking now; don't gamble the house down payment on a short term rally. The best strategy is to Dollar Cost Average out (DCA) of BTC into USDC over the next few months to lock in the amount you need. When you are ready for the final cash conversion for the house, the platform matters for speed. I use BYDFi because they integrate with tons of fiat providers like Banxa and Mercuryo, making the final off ramp much cleaner and faster than waiting for a slow bank transfer. You can get easy platform access without the heavy verification burden, and then use simple DCA tools or Grid Bots to manage your remaining stack.

coinfeeds-bot

tldr; Coinbase is preparing to launch a regulated prediction market platform in collaboration with Kalshi, leveraging Kalshi's CFTC-regulated infrastructure. The platform will allow users to trade on real-world events like elections, sports, and economic data using USDC or U.S. dollars. This move aligns with Coinbase's goal to expand into traditional financial tools and capitalize on the growing prediction market space, which has seen weekly volumes surpass $2 billion. The initiative aims to bring prediction markets into the financial mainstream with regulatory compliance. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

coinfeeds-bot

tldr; Coinbase is reportedly developing a prediction markets platform, as revealed by tech researcher Jane Manchun Wong. Screenshots indicate the platform will be backed by Kalshi and offered through Coinbase Financial Markets. The interface will allow users to bet on events in economics, sports, science, politics, and technology using USDC or USD. This move aligns with Coinbase's goal to become an 'everything exchange.' Prediction markets are gaining popularity, with competitors like Crypto.com and Gemini also entering the space. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

jasonmie

USDT/USDC/etc...

victor1111111

COCA card pays in rewards in crypto USDC or EURC

Ajfox1974

I did sell everything a couple weeks ago for USDC. I’ve been torn between DCA down at every $5-$10k or waiting for a more significant drop, like buying a larger amount @ $70-$80k. I wish I’d sold eth at $4800+ and Sol at $250. But, that was about as close to perfect a move as you could’ve made.

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Post is by: Gullible-Tale9114 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1p0kzrq/brazil_is_moving_to_tax_international_crypto/ Brazil is weighing a plan to extend its IOF financial transaction tax to crypto when it is used for cross border payments especially stablecoins. Right now crypto transactions are exempt from IOF even though the tax applies to things like foreign exchange credit and securities so regulators see this as a gap in the system. The idea is simple… if you use USDT or USDC to move money abroad you should not get a better tax deal than people using the regular forex market. At the same time Brazil’s central bank has approved rules that treat many stablecoin transactions and some wallet transfers as foreign exchange operations which pulls them into the same oversight as traditional FX. This comes on top of a flat 17.5 percent tax on crypto capital gains which replaced the old progressive brackets and removed the monthly tax free threshold on smaller trades. On the reporting side the Federal Revenue Service has said its new crypto reporting rules will follow the OECD’s Crypto Asset Reporting Framework giving Brazilian authorities access to data on residents foreign crypto accounts once exchanges start sharing information. Brazil signed onto the CARF joint statement in late 2023 and has been building towards this since then. Other major jurisdictions are lining up too. The White House is currently reviewing an IRS and Treasury proposal to join CARF style reporting for US taxpayers foreign crypto accounts the EU has already built CARF into its DAC8 directive with first reports due from 2026 data and the UAE signed the CARF agreement in September 2025 with exchanges expected to start sharing data in 2028. Big picture… governments are steadily shutting down crypto tax loopholes and getting much better visibility into international flows. Using stablecoins to dodge taxes on cross border payments is likely to get harder from here not easier. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

Arijan101

>sorry for your money loss... you seem very exhausted and emotional. Nor have I lost anything, nor is my reaction emotional, it's plain common sense. More selling=price goes down, More buying= price goes up. >but i totally agree... why buy BTC for 126k when you can buy it much cheaper? it was 89k 1 year ago and it was 89k again today. BTC was 69k in 2021 and 69k again in 2024. Buy it or don't buy it at any price you seem fit, I don't see how this is relevant to the conversation. >if you look for something more financial and emotionally stable take a look at DAI, USDC USDT. You don't need to shill stable coins to me, I know what they are. >idk why you are so angry at me. i have a feeling we very much agree. and yes there is a lot of selling going on. even in the stock market. so you win BTC lose... happy? I'm not angry, just pointing out the obvious. >BTW. you know about liquidations right? say someone sell a bit ammount of BTC causing a price drop so big it causes major liquidations. then buy back more than they initally sold.... price is now still lower than what it was before they sold. It's called market manipulation, major exchanges and whales are doing it all the time. This is exactly what OP's data shows. At around 90k major exchanges are massively exchanging their stable coins for BTC aka buying, in order to liquidate as many short sellers as they can. >Supply and demand. at the current price BTC needs a positive inflow of $42M daily to not drop in price with its current inflation. Here is some info from [Tokenomist.ai](http://Tokenomist.ai) This is irrelevant data, as long as a few big players have enough resources to easily manipulate the market.

Gubbie99

sorry for your money loss... you seem very exhausted and emotional. but i totally agree... why buy BTC for 126k when you can buy it much cheaper? it was 89k 1 year ago and it was 89k again today. BTC was 69k in 2021 and 69k again in 2024. if you look for something more financial and emotionally stable take a look at DAI, USDC USDT. idk why you are so angry at me. i have a feeling we very much agree. and yes there is a lot of selling going on. even in the stock market. so you win BTC lose... happy? oh wait... OP shows data that signals more people buying in. BUT ETF outflows is still very much negative. you know Schrodingers cat? Could very much be this case. (a lot of individuals buying back in at these prices and at the same time whales are still selling) BTW. you know about liquidations right? say someone sell a bit ammount of BTC causing a price drop so big it causes major liquidations. then buy back more than they initally sold.... price is now still lower than what it was before they sold. Supply and demand. at the current price BTC needs a positive inflow of $42M daily to not drop in price with its current inflation. Here is some info from [Tokenomist.ai](http://Tokenomist.ai) [](https://tokenomist.ai/bitcoin) $42.20Mper day [](https://tokenomist.ai/solana) $9.90Mper day [](https://tokenomist.ai/ethereum) $8.33Mper day [](https://tokenomist.ai/official-trump) $4.95Mper day i think you are in the wrong sub if you are not interested in discussing various aspects of the crypto markets. now i think some see BTC at 30% discount from ATH and some might just follow stock markets investment sentiment. either way. people might have different ways to invest their money.

highschoolhero24

That’s actually a fair question. USDC is continuing to benefit from more adoption but the fees are still quite high for small transfers compared to small transfers of Bitcoin but those fees could be argued to be less when you account for the risk of Bitcoin losing value before you have the chance to convert to local currency. USDC as a vehicle has no upside in terms of investment value but it does have downside risk from both depegging risk if Circle (the company that issues USDC) is hacked or experiences a liquidity crisis. USDC is also far more vulnerable to wallet compromise and exchange/protocol hacks. The Smart Contracts are considered to be strong but they don’t have nearly as much security tenure or credibility compared to Bitcoin.

Ok_Education6042

Honestly, this is the kind of post people don’t appreciate until they live through a full cycle themselves. Taking profit at the top always looks “crazy” in real time, then looks genius in hindsight. BTC doing what BTC always does, massive run-up, brutal correction, shouldn’t surprise anyone who’s been around. Sitting in USDC and waiting isn’t being bearish, it’s being disciplined. Most people panic-buy the dip way too early and then get chopped up all the way down. If we really revisit 45–50K, or even deeper, the re-entry opportunities will be insane. Good call, a reminder that sometimes the smartest trade is patience.

Enough-Run-1535

It's up to 9%. Take USDC: it's currently 4.39% on the Etherium market. It fluctuates between 2% to 9% depending on the utilization rates. You can also stake the receipt aUSDC tokens for an additional 6.5%, but you're locked in for a 20 day cool-down if you want to pull out.

Martzee2021

Don't want to ruin your conviction but it just broke below 90K and charts don't look very pretty either. I don't like what I am seeing out there. So, sorry but I am waiting this out in cash and USDC until the charts show uptrend again.

Majestic_Ad_2198

That’s what I’m doing! I pulled my profit to USDC and am just going to buy again when it stabilizes

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Post is by: KarimHann and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1p03rg5/sold_everything_at_122k_btc/ Everyone said I was crazy and that Bitcoin was going straight to 200K. Turns out it was one of the best decisions of my life. BTC now is showing exactly why taking profit matters. Historically, Bitcoin corrects 70%+ from its all-time highs during major cycles. For a 122K top, a typical 70% drawdown would put BTC around 36K. Even a lighter correction to the 45–50K range would still let me nearly triple my BTC stack. Right now, the smartest move is literally to do nothing. Stay calm, stay in USDC, and let the market bleed out. Patience = entries you’ll never get if you panic-buy on the way down. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

masonroese

I think if tether truly exploded it would obliterate a good chunk of faith from the crypto world. Even "fully backed assets" like USDC would have a hard time capitalizing and gaining public trust. But as it stands, I think tether is just going to serve as a good "I owe you" until Bitcoin looks to crash towards 0. But at that point crypto is done (Note: I'm dumb as fuck)

DreamingTooLong

If tether imploded wouldn’t USDC and DAI, PYUSD, and USD1 quickly take its place?

One-Formal-824

i've used quite of these card, but Nexо suites me best. There are no monthly fees, the cashback is good, and i don't need to lock any tokens. Beside, i pay off my card with USDC, so i don't have to sell my tokens

noviwu97

ADA cultists will come and do mental gymnastic saying stablecoin is nasty and it's actually a good thing that there's no USDT/USDC in Cardano's blockchain

ACE1965DOTCOM

76,000,000 USDC so far for MONAD

ThatChrisGuy7

Huh, didn’t know I could lend my USDC for 7.5% on Coinbase

ACE1965DOTCOM

Let’s fucking go Requested monad $5500 USDC worth

piggleii

Even the Ethereum Foundation doesn't swap their ETH to USDC onchain anymore. They literally use CEXs to dump their ETH on retail.

parakite

Lets look at that page, specifically its history. Lets look at 2021 , for example: 2021 Dec 17 [Adidas - Into the Metaverse NFTs](https://www.adidas.com/us/blog/825513-into-the-metaverse-lets-go)  Dec 13 [L’Oréal - Reds of Worth NFTs](https://www.bwconfidential.com/loreal-paris-usa-launches-nfts/)  Nov 29 [Budweiser - Budverse NFTs](https://decrypt.co/87175/budweiser-nfts-key-to-budverse)  Nov 01 [Burger King - Rewards Program](https://cointelegraph.com/news/burger-king-serves-up-free-doge-with-meal-purchases)  Oct 05 [Credit Suisse/Alaïa - Tokenized Shares](https://www.taurushq.com/blog/alaia-tokenises-its-shares-with-credit-suisse-powered-by-taurus/)  Aug 04 [Burberry - B Series NFTs](https://www.coindesk.com/markets/2021/08/04/british-fashion-brand-burberry-releases-first-nfts/)  May 17 [Birra Peroni - Utilizes EY OpsChain Traceability](https://publish-ey-prod-cdn.adobecqms.net/en_nz/news/2021/05/birra-peroni-is-the-first-industrial-organization-to-mint-unique-non-fungible-tokens-using-ey-opschain-traceability)  Apr 28 [European Investment Bank (EIB) - Bonds](https://www.eib.org/en/press/all/2021-141-european-investment-bank-eib-issues-its-first-ever-digital-bond-on-a-public-blockchain)  Mar 29 [Visa - USDC Settlement](https://usa.visa.com/visa-everywhere/blog/bdp/2021/03/26/digital-currency-comes-1616782388876.html)  Feb 10 [Mastercard - Integrated Payments](https://www.mastercard.com/news/perspectives/2021/why-mastercard-is-bringing-crypto-onto-our-network/)  Absolutely pointless links. Nothing of that is useful, and much of those links were scams ( nft and others).

FuckDataCaps

>and suddenly every flip from ETH to USDC Seems like they weren't only moving if it involved trading ETH/USDC pair

MariachiArchery

It is incorrect, you are correct. This is kind of an old meme when the tax laws changed regarding crypto. Technically, any swap, trade, purchase, or sell is a tax event. Converting UST to BTC is a tax event. Converting BTC to USDC is a tax event. Converting UST to USDC is a tax event. Converting UST to USD is a tax event. All of it requires reporting. Thing is a lot of people are not going to do that, like OP for example. But, if he takes his beginning balance against his ending balance, and pays a short term gain tax on that, he can accomplish a few things. First of all, he might be able to avoid an audit if he's claiming these gains. Now, while this is not the proper way to report crypto gains, it does have you paying income tax on the actual realized gain. So, if he does get an audited, or put through whatever he's being put through now, he will have already paid income tax, probably most of what was required, so he can avoid penalties on back taxes. You are correct, that this is not the proper way to account for and report crypto trades. But, doing it this way, when you otherwise wouldn't do anything (like OP here) is a way to at the very least pay a tax estimate, that *will* reduce your liability should this come back to bite you in the ass.

samsimon123

XLM can do and even more what XRP can! Also USDC, PYUSD and now even ripple launched their stable coin - all can do what XRP can.

OkSeries5363

Shouldn't cause issues.  If you sent USDC you purchased elsewhere to Coinbase and then sold it, Coinbase will not report a cost basis of zero. There are provisions for this in the legislation, there is a section for cost basis unknown. If the broken didn't fascilate the transaction so they don't know your cost basis, they report the transaction as cost basis unknown.

Django_McFly

I'm worried the most that Coinbase reports any USDC sales as me buying USDC for $0 and selling it for $1 and they send that directly to the IRS.

Background-Hall7395

Really depends. In Austria for example you only pay taxes if you convert back to Fiat. If you convert to Stablecoins like USDC you don't pay taxes.

Any-Pipe-3196

I could have had my money in USDC with coinbase's 4% APY and do better

FunkyGrass

Not to shill but one good thing I believe I did in order to diversify a bit (still in crypto) is to buy JLP on Jupiter/Solana. It’s essentially an index fund of BTC, ETH, SOL and USDC

0x456

F, even USDC and USDT are down. What a time.

ReignNFire

Sorry, I meant more along the lines of stablecoins used through SOL network. Which, I’m incorrect by saying SOL is the payment coin. Their infra rails facilitate the payment coins (like USDC) and has an increasingly large volume share.

coinfeeds-bot

tldr; Hyperliquid, a DeFi derivatives platform, suffered a $4.9 million loss after an attacker manipulated its internal liquidity system. The attacker used $3 million in USDC to open $26 million in leveraged long positions on POPCAT perpetuals, creating a synthetic buy wall to falsely signal market strength. When the wall vanished, liquidity thinned, triggering a cascade of liquidations that overwhelmed the platform's vault. This incident highlights vulnerabilities in automated liquidity mechanisms and raises concerns about synthetic volatility attacks in DeFi systems. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

Saffuran

The money that is exiting BTC, ETH, SOL, Major Alts, and Shitcoins but not landing back in USDC/USDT is going into the ZK/Privacy infrastructure. Zero Knowledge like ZCash, ZKsnarks (ETH), STARK, Monero e.t.c. It is a macro trend and I think the liquidity heading there isn't moving back into BTC or the "surface market" anytime soon - they're expecting the bear market which may make the ZK assets ones that will rise as BTC bleeds.

sgtslaughterTV

Could've been for one of these two reasons: 1. In r/bitcoin, they don't like it when users discuss anything besides bitcoin. The word "crypto" to them largely describes any cryptocurrency that is NOT bitcoin. 2. They could have thought that when you said "crypto" you were referring to all cryptocurrency and bitcoin. If you're in a country facing big inflation problems, how do you get access to USD? In many cases, it's simply easier to get USDT or USDC. Food for thought. Embark on a good faith effort to do some research and identify where it is easier to get USD vs. USDT.

ZekeTarsim

I’m 65% USDC, I’m personally excited waiting for the right time to buy some discounted coins.

kuracoin

I’ll give you an actual answer without trying to lecture you on the viability of the trade itself. It may not be the *best*, but it is *a* way to short. Buy USDC, deposit into a lending protocol. Borrow WBTC or an alternate wrapped BTC depending on what the rates and other factors are that you find most attractive, sell it, then deposit the proceeds back into your lending supply side. Repeat however many times you want for the amount of leverage you’re comfortable with.

trillionSdollarstech

I repost this for the Americans who were sleeping: Yesterday's announcement that "USDC on CashApp will use Solana" turns out to have been a paid promotion and several blockchains will be used with plans to add even more over time. https://fortune.com/2025/11/13/cash-app-stablecoins-block-bitcoin-jack-dorsey Same propaganda when they deceived people by pretending that Western Union would adopt Solana

trillionSdollarstech

Why not ETH? All banks and funds are developing products on Ethereum. Anything happening elsewhere is because of bribes paid by an Ethereum competitor before the development extends to Ethereum. **Last example: yesterday's announcement that "USDC on CashApp will use Solana" turns out to have been a paid promotion and several blockchains will be used with plans to add even more over time.** https://fortune.com/2025/11/13/cash-app-stablecoins-block-bitcoin-jack-dorsey

coinfeeds-bot

tldr; Visa has launched a pilot program for USDC stablecoin payouts via its Visa Direct platform, allowing U.S. businesses to fund payments in USD while recipients, such as freelancers and gig workers, receive funds in USDC directly to their crypto wallets. The initiative aims to accelerate cross-border payments, reducing settlement times from days to minutes, and targets users in emerging markets with limited banking access. The program leverages blockchain for transparency and could drive stablecoin adoption globally. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

mobenben

I am hodling my USDC through the bear. Diamond hands baby! ;)

rechtim

USDC to $5 !!! /s

rgnet1

Yes it’s the same using stablecoin because it holds at $1, you always end up buying and selling with no gains. The problem is I did this one year with Coinbase card where I paid for everything in USDC and you then have 85 pages of transactions to submit with your tax return all amounting to zero gain. Merchants would have the same issue. If Cash App doesn’t provide this end of year report as a free service, I don’t see merchants wanting to deal with it — but maybe if it means they’re saving massively on Visa fees, who knows.

Guccimayne

Sitting in USDC collecting yield until this blows over

Historical_Draw_1879

Just bought $1,000 in USDC! I am ready for the 10x. Lambo time!!!

Technical_Cry_5878

Most people don’t spend their crypto they hold it. Even folks who are deep into the space usually treat BTC and ETH more like long-term speculative assets than actual currencies. Every survey I’ve seen basically shows the same thing: people will use stablecoins for transactions, but they won’t part with their Bitcoin unless they absolutely have to. I spend stablecoins (USDC mostly) on small freelance payments, subscriptions, and occasional P2P stuff. I hold BTC and ETH because the opportunity cost of spending them feels too high. I rarely use smaller altcoins unless a platform specifically requires them. If you’re thinking about launching a cosmetics shop in Europe that takes crypto, it could still work, but you’d want to: * Support stablecoins first, since they’re what people are comfortable spending * Offer discounts or perks for paying with crypto * Make checkout dead simple (no multi-chain confusion) * Accept BTC/ETH but expect low usage * Maybe experiment with loyalty tokens or NFT memberships if your audience skews younger A lot of the hype around people “spending crypto everywhere” comes from marketing pushes like the whole Ian King Next Gen Coin promo that suggests crypto rails will replace global finance. Whether you buy into that or not, the reality right now is that most people still treat crypto as an investment, not a daily spending tool.

coinfeeds-bot

tldr; Visa has launched a U.S. pilot program allowing businesses to send payouts from fiat dollar accounts directly to recipients’ crypto wallets as USDC stablecoins. Announced at the Web Summit in Lisbon, the initiative uses Visa Direct for near-instant settlement and aims to address the demand for faster, borderless payments in sectors like international payments, gig work, and the creator economy. This move aligns with the recently passed GENIUS Act, which provides a federal framework for stablecoin regulation. A full rollout is planned for 2026. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

coinfeeds-bot

tldr; Hyperliquid, a decentralized exchange for perpetual futures, temporarily paused USDC deposits and withdrawals via the Arbitrum bridge due to scrutiny over Popcat-related trades. A community-owned vault lost $4.9 million after a trader's $20 million long positions on Popcat were liquidated. The incident raised concerns about Hyperliquid's decentralization and its handling of volatile assets. Withdrawals resumed shortly after, but the situation highlighted vulnerabilities in the platform's operations. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

KiteIsland22

Only thing I regret is having money in Celsius but I actually came up from that because majority of my coins was USDC and we got like 70% in BTC and ETH. BTC went up quite a bit since that time so I actually made a couple thousand lol.

roomiller

Nebeus is a financial platform that aims to bridge crypto and traditional fiat banking. It's an all in one ecosystem where you can get a crypto-friendly IBAN, a spending card, exchange, and earning programs like renting. It's built for individuals, freelancers, and businesses who operate in both worlds. In terms of crypto loans, the main point is that you can borrow cash (EUR, USD, etc.) or stablecoins against your crypto holdings without selling them. What's interesting is that they have five different *types* of loans depending on your collateral and needs. For example, they have a Bullet Loan where you use BTC, and you pay back the principal and interest in one single payment at the end of the term (no monthly payment). They also have a Flexible Loan that accepts over 20 different altcoins (like ETH, XRP, SOL) as collateral, and a StableLoan that lets you use USDC to get a loan with 95% LTV.

coinfeeds-bot

tldr; Metrom is powering the liquidity incentive campaign for Aave's deployment on Aptos, marking Aave's first non-EVM integration. Aave, managing over $70 billion in deposits, is live on Aptos, with Metrom distributing $APT rewards to liquidity providers supplying stablecoins like $USDC and $USDT. Providers can earn ~8% APR on top of base yields. Incentives apply to net-new liquidity suppliers, with rewards distributed every 24 hours. This collaboration aims to enhance DeFi lending on Aptos through scalable and sustainable reward mechanisms. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

roomiller

I would like to say Nebeus, if compliance and security is in your priority and definitely with clear terms and conditions. Nebeus is a financial app based in Spain that tries to connect crypto and regular money. They are registered with the Bank of Spain as a Virtual Asset Service Provider which covers their custody and exchange services. They offer a various type of loan like Stable loan, Flexible, Bullet and so on. **StableLoan:** This is for capital efficiency. You can use stablecoins (USDC/EUROC) as collateral and get a loan at 95% LTV, 4% interest annually. **Flexible Loan:** This is for altcoin holders. It accepts over 20 different tokens as collateral (like ETH, XRP, SOL), so you can get liquidity from a diverse portfolio. 12.5-16.5% interest annually. **Bullet Loan:** This is for the long-term BTC HODLer. You use BTC as collateral and pay back *both* the principal and interest in one single payment at the end of the term. No monthly payments. 10% interest annually.

ComplexWrangler1346

I did …..I actually did an extensive research after I posted this ……Bittensor has a lot of subnets but the big problem with them is adoption on those subnets …most of their subnets do not have many on it and it is NOT generating money for TAO itself ……that made me not invest in it …I threw 5500 on Chainlink instead and the other 5500 on USDC for now

Django_McFly

I want a bank that lets me withdraw my balance as stablecoins as seamlessly as it is to withdraw as cash at a ATM or swipe my card and buy something. They can pick whatever chain they want, whatever doofball stablecoin or bank deposit token or what they want, just have USDC:TheToken pools on DEXs, Fully integrating is the only way the stay relevant for another hundred years. They *should* be the best bridge between tradfi and crypto. If they willingly hand it over to some newcomer, they've earned their fate.

Non-fungible_tacos

Very relevant topic as I've been thinking about this recently. I've got a couple of vaults earning 8%+ on USDC, but so far I'm only putting small amounts in them. I'd say I've got 90% of my investments in traditional accounts, and 10% in crypto (stablecoins specifically). I'm wondering at what point I pull the plug and switch to more crypto?

AutoModerator

Post is by: OhMyCoin and the url/text [ ](https://goo.gl/GP6ppk)is: https://medium.com/@kerya/the-1-1-stablecoin-standard-why-what-should-be-1-must-stay-1-9f95c8513eac This should be available to all users! It's frustrating that we're still struggling with costs when moving between USD, USDC, USDT, PYUSD, USD1, or any other USD-related assets! Stables should be stable! *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

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Post is by: One-Formal-824 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1ougslo/is_it_me_or_stablecoins_now_feel_safer_than_banks/ A few years ago, I never thought I'd say this, but I don't keep my savings in a bank anymore. Not because I'm some “fiat is evil” maximalist - but because after watching interest rates, inflation, and fees eat away at my balance for years, it finally clicked: the traditional system is designed to make you hold money that constantly loses value.The final straw was seeing my bank proudly advertise 2% savings interest while inflation was running at 5-6%. Come on.. that's not saving - that's slow-motion losing. So I switched things up. I started keeping a portion of my cash in stablecoins (USDT, USDC, etc.) on a crypto wealth platform instead of my bank. Here's what changed: * My balance stopped silently eroding - stablecoins stay pegged to the dollar, so I know exactly what I'm holding. * I started earning actual yield on it. Platforms like Nехо pay up to 14% annually (depending on the asset and loyalty tier). Even at the lower end, that's miles ahead of any “high-yield” bank account. * I can access it anytime, without begging for approval or waiting for a business day. What really sealed the deal, though, was being able to spend directly from that balance. I keep a small portion of my stablecoins liquid and just use my card when I need to pay for something. No need to convert, no need to transfer from savings. It's just there, earning yield until the moment I use it.I get that some people don't trust stablecoins or platforms. Fair enough - DYOR and manage risk. But for me, the risk of holding cash in a system where the rules change every quarter and my money loses value by design is far worse.The truth is, your bank doesn't reward you for being responsible anymore. It punishes you with inflation and fees. The crypto ecosystem, for all its noise, at least gives you the option to make your money work while staying liquid. I still keep some funds in fiat for bills and emergencies, but I treat that as spending money, not savings. My real savings are stable, earning, and flexible.We've entered a weird phase of finance where banks are stuck in the past, and crypto is quietly building what the future already looks like - yield on your idle money, instant access, and global utility. And honestly, it just feels better knowing my money isn't sitting somewhere doing nothing. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*